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Search Homes. Get Financed.

Browse the latest California real estate listings and secure your pre-approval with Guardian Capital—trusted since 1994.

Find real estate in Southern California

Custom Lending Strategies

Buying a new home or accessing equity without losing your current low rate, we have the right program for you.

Home Purchase

We offer fast pre-approvals and lowest rates.

HELOCs

Access your equity with a HELOC or Fixed-Rate 2nd Mortgage.

VA & FHA Loans

Eligible veterans can buy with $0 down. We also specialize in FHA solutions for first-time buyers.

Reverse Mortgages

Homeowners age 62+ can eliminate monthly mortgage payments and access tax-free cash flow.

Jumbo Financing

As Orange County experts, we specialize in high-balance loans for luxury properties that exceed standard lending limits.

Real Estate Investors

We offer DSCR loans that qualify you based on the property’s rental income, not your personal tax returns.

Newest Properties

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Financing California’s Finest Since 1994.

Since 1994, Guardian Capital has powered real estate dreams across the Golden State. Expert financing from Los Angeles to San Diego, anchored by three decades of service in Orange County. Explore a region below to unlock exclusive listings and instant purchasing power.

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Who We Are

Utilizing over 30 years of mortgage expertise, Guardian Capital serves a diverse client base across Southern California. From first-time homebuyers in the Inland Empire to luxury estate investors in Newport Beach, our team secures the right financing for every unique scenario.

(800) 215-5000

Years Experience

0 +

Loans Funded

$ 263 M

Avg. Closing Time

5-Star Lending Experience

For over three decades, Guardian Capital has built its reputation on transparency, integrity, and results. Read why thousands of families across Southern California trust us with their biggest financial decision.

“As a Vietnam veteran who has three purple hearts, two bronze stars and a silver star, I am most grateful to Guardian Capital in going beyond approach in helping me obtain a VA loan in which I was able to borrow to 100% of the equity on my home. I now enjoy my life in leisure and pleasure.“

John Lang, San Diego, CA U.S. Army, Retired. 16th Infantry Regiment

“I would not trust any other organization with my mortgage needs. Guardian Capital has my interests in mind first and foremost. They truly have my back. Sadly, this seems to be a rarity these days. I will confidently refer anyone I know who needs mortgage assistance, or even just advice, to Guardian Capital of Mission Viejo."

Cat D., happy client

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